Sunny Patel

Stay Happy Stay Healthy Be a good human being Mortgage Education # Mortgage Update # Mortgage News ' ... ( ) 1. Paying with a debit card 2. A drop or raise in salary 3. Getting married 4. Getting divorced 5. Having a credit application denied 6. Having high account interest rates 7. Checking your own credit reports 8. Disputing information on your credit report 9. Paying a traffic ticket (on time) 10. Moving money out of RRSPs, TFSAs or other non-credit accounts , Sunny Patel - Your Mortgage Guy - 306.201.5637 Swapna Patel - Mortgage Pro - 306.450.1504 Pre-Approval # Refinance # Renewal # New Immigrants # Commercial properties # Investment Properties # 2nd House

Stay Happy Stay Healthy # # & , & ... ' : (Call me @306.201.5637 for any questions regarding mortgage ) ? Mortgage renewal occurs when the term of your current mortgage is up but you still have money owing on your home. Usually, you will get a notice from your lender a few months or so before your term ends informing you that the term is up and offering to renew your mortgage for another term at a rate determined by the lender. As a homeowner, you have the option to sign and send back your mortgage renewal letter or shop around to see if you can get a better rate or more favorable terms from another lender. It is strongly encouraged that you work with a mortgage broker at mortgage renewal time to ensure that you get the best rate and terms for your situation. ? Mortgage refinancing happens when you decide to get a new mortgage before the term on your current mortgage expires. This means you will have to break your current mortgage early. While mortgage refinancing in most cases will cause you to have a financial penalty by the lender for breaking your first mortgage, there are some good reasons why homeowners may choose to do this. Often people refinance their mortgages when interest rates have dropped significantly or when they wish to access money from their home equity (to consolidate debt, pay for a home renovation, etc) It is strongly advised that if you are considering refinancing, you do so with the help of a mortgage professional who can determine whether you will be able to save enough in interest payments to offset the financial penalty for breaking your mortgage Sunny Patel - Your Mortgage Guy 306.201.5637 or Swapna Patel - Mortgage Pro- 306.450.1504

Be Happy Stay Healthy Mortgage Education # Mortgage Update # Mortgage News (FTHBI)... The First-Time Home Buyer Incentive helps people across Canada purchase their first home. Program offers 5 or 10% of the home’s purchase price to put towards a down payment. This addition to your down payment lowers your mortgage carrying costs, making home ownership more affordable. Federal Govt program for First Time Home Buyers only Shared Equity Mortgage (Interest Free loan) 5% down payment on Existing Home or 5% or 10% downpayment on New Construction Home If you have any questions or to learn more about eligibility about the program , call me @Sunny Patel +1 306-581-7027 or @ Swapna Patel - 306.450.1504

Stay Happy Stay Healthy Mortgage Education # Mortgage News # Update Did you know Bank of Canada Announced Historic Rate Hike of 50 Basis Points. ... How it Impacts you on your current mortgage or if you are planning to buy a house in future. If you have Variable rate on your current mortgage or planning to get variable rate it will impact you. Call me for Expert Mortgage Advice. The Bank of Canada increased its key interest rate by 50 basis points on April 13, 2022.This is the largest individual rate hike since 2000, and comes about amid soaring Canadian housing prices and inflation. As per economist due to rising asset and commodity prices as well as expectations for a better-than-expected economic growth in 2022, we expect the Bank of Canada's target overnight rate to rise to 0.5% by the end of 2022. As a licensed mortgage professional my job is to provide you Right Advice, Best Service & Best Rates. Your Satisfaction is my Guarantee Call for any Mortgage Advice - Sunny Patel - Your Mortgage Guy : 306.201.5637 Swapna Patel - Mortgage Pro : 306.450.1504 Purchase # Renew # Pre-Approval # Commercial # Debt Consolidation # Refinance # 2nd Mortgage # Investmen

Stay Healthy Stay Happy Your Mortgage Expert - ... % % - ’ % - ’ () % - ’ / Sunny Patel - Your Mortgage Guy @.. Swapna Patel - Mortgage Pro @ .. - # # # # # # # -

Stay Healthy Stay Safe Credit Score - an important factor to get approve for mortgage Call me to know more about it or for any expert Mortgage Advice. (My Service is totally Free ) Pre-Approval # Renewal # Refinance # First Time Home buyer # New to Canada

Wishing you and your loved ones the best of peace,health and prosperity in this joyful Christmas season. Merry Christmas Best Wishes Stay Safe Stay Healthy

Stay Safe Stay Healthy Are you paying high interest rates in your current mortgage Is your Mortgage renewal coming soon ... Let me help you to get best interest rate and save thousands of dollars by getting lowest and best competitive rates

Stay Safe Stay Healthy Stay Happy I am there to help you to provide the right and best advice for your mortgage needs. Will work to get you best competitive rates Call me 306.201.5637 ... Pre-Approval # Renewal # Refinance # FTHBI Incentive # Purchase Plus Improvement # New Comers